Research On Financial Risk Control Of Beiyin Company's Credit Loan Business

Since March 2015,the market-oriented reform of interest rates has given commercial banks the right to self-deposit and loan interest rates in floating ranges,whereby commercial banks are struggling to adjust deposit and lending rates to attract customers to raise credit markets Share share.This behavior of commercial banks has led to a massive squeeze in the business space of financial firms with 43% market share in the credit market.And make the major financial companies do not need to mortgage the credit loan business credit risk management issues become increasingly prominent.For the seven years since the establishment of the North Bank,because of its credit market in the implementation of the credit quality of the assets continue to decline,overdue phenomenon becomes more serious,the financial success rate of litigation and other issues led to the loan funds difficult to timely return North Bank is facing huge financial risk,and thus strive to improve the credit risk of credit operations business has become the North Bank's top priority.Firstly,the concept of "financial risk","financial risk of credit business" and "risk control" are expounded on the basis of clarifying the purpose of improving the financial risk control level of Bei silver company's credit loan business.Secondly,Based on the definition and theoretical basis of the related concepts in Chapter 2,the author introduces the development of Beiyin Company and its credit loan business,and expounds the current situation of financial risk control according to the three aspects of its credit loan business process.Link financial risk control to take the main control means;again,through the past five years of North Bank's credit business in the annual business report and other data in the overdue customers in the industry sector,asset status,profit level,financial The amount of credit and other content to sort out the analysis,and rely on loan repayment rate,non-performing loan ratio,overdue ratio and other indicators to support North Bank's credit business in the financial risk control process,there are customer financial data distortion,financial credit rating and other issues,Item-by-item analysis of the causes of the problem.Finally,the credit loan business to find the appropriate way to enhance the level of financial risk control,clear the future of the North Bank credit business credit risk control objectives,targeted to the three links in the credit key to the existence of key nodes Financial risk control,and put forward concrete and feasible countermeasures.At the same time,it can provide some guidance and reference for solving the similar problems of other financial enterprises with the same level and the same scale in improving the financial risk control level of Bei silver company's credit loan business.